Respected sir/madam,
I needed coverage as a full time student, so I went online an I was contacted by a repesenative of PJP Health Agency. Not only is the plan cheap, but it covers NOTHING. Knowing it covers next to nothing, I called the company in August 2010 to ensure that a \\\"well-woman\\\" exam was covered under my plan. I was informed it was, so I saw my doctor for the first time in 3 years.\r\n\r\nAfter the visit, I received a prescription I needed to take, which, come to find out, ARE not covered. So, as a full time student, living on my own, I am paying full price for prescriptions. Fine, no big deal. About 4 weeks later, I got a bill from my doctor saying that PJP Health Agency was refusing to cover that bill because it JUST SO HAPPENED on that day that I went to see my doctor, my insurance plan was invalid. I was not covered. So, after some debate, they decided to pay it.\r\n\r\nLast week, I received the SAME bill from my doctor, saying PJP Health Agency again refused to cover the bill. This time, their reasoning was that my exam is not covered under my plan. I find this comical because I CALLED TO RECEIVE ORAL CONSENT TO SEE MY DOCTOR. THE INSURANCE REP TOLD ME IT WAS COVERED. And now all of a sudden it is not. With numerous phone calls between PJP Health Agency and my doctor, it has been determined that PJP Health Agency just does not want to pay. The rep I spoke with first said the visit wasn\\\\t covered, but then 15 minutes later he said it was indeed covered, but he didn\\\\t know what to do. I demanded to quit my plan and get my refund check, but he said I had to cancel my plan within 31 days of signing up. That too is hilarious because another representative told me my plan was not activated for the first 30 days, so essentially after those 30 initiative days, I had ONE day to decide if I liked my health insurance coverage or not. I could not use my plan for the first 30 days, so how in the world was I suppose to know if I wanted to be under their insurance if I wasn\\\\t allowed to use it?? To me, it\\\\s a complete scam ripping off college students.\r\n\r\nI asked PJP Health Agency what they covered and they said accidents and sicknesses. Well, if I\\\\m sick, I can\\\\t get prescriptions to be healed because they don\\\\t cover prescriptions, so really, WHAT THE HECK AM I PAYING FOR?? I was ripped off by PJP Health Agency and I\\\\m mad at myself because I believed all the lies the agent told me.